Visa Xapo Card Terms

The Xapo Card provides you with a range of benefits delivered directly by Xapo Bank or by our partners. Each of the terms below relate to these benefits. Please read them carefully.

• Xapo (Outside Europe) Bank Cardholder Agreement
• Xapo (Outside Europe) Card Benefits Terms & Conditions
• Visa Europe Debit Card Terms
• Visa Europe Privacy Policy

Xapo Bank Cardholder Agreement (Cards Issued Outside Europe Region)

1. SCOPE

1.1 These terms and conditions (“Terms”) govern your use of the Xapo Card. These Terms are supplemental to and must be read with your Xapo Bank Terms & Conditions which governs the entire relationship between you (“Customer”) and Xapo Bank when you open a Xapo Account with us.

1.2 Please read these Terms carefully before you start using the Xapo Card. These Terms provide you with information on Xapo Bank, the Xapo Card and how you may use it, what to do if there is an issue with your Xapo Card and other important information that is relevant to your use of the Xapo Card.

1.3 This Agreement will commence when you apply and order your Xapo Card or when you activate it and start using it and will terminate in accordance with these Terms. You will have accepted these Terms by applying for, ordering or using your Xapo Card. You must not apply for or order a Xapo Card if you do not agree with these Terms.

1.4 As well as these Terms, general law applies to the Xapo Card and Services we provide, which may mean other rights and liabilities apply.

1.5 These Terms are supplied in English and shall be interpreted accordingly. Any translation of these Terms is for convenience purposes only. In the event of any conflict or inconsistency between the English version and a translated version, the English version shall prevail.

1.6 These Terms are available on our Website and in the Xapo App. You have the right to receive these Terms, upon request, at any time during the duration of this Agreement. This can be provided to you on paper or such other durable medium such as via email or via the Xapo Platform.

2. INTERPRETATION

2.1 In this Agreement, certain capitalised terms and phrases used but not otherwise defined herein shall have the meaning given to them in the Xapo Bank Terms & Conditions.

3. XAPO CARD ISSUER

3.1 Xapo Card Issuer: The Xapo Card is issued by Xapo Bank, a company incorporated and registered under the laws of Gibraltar with Company No. 111928.

3.2 Registered Office: Our registered office is at Suite 23, Portland House, Glacis Road, Gibraltar, GX11 1AA.

3.3 Regulator: Xapo Bank is regulated by the Gibraltar Financial Services Commission (“GFSC”) with permission to provide services as a “credit institution” under the Financial Services Act 2019.

3.4 Contacting Us: If you ever have any questions, issues, or complaints, you can always check out our FAQs page or you can contact our Customer Support team through the Xapo App or via our Website. Our team will always do their best to help you. Unless otherwise stated our FAQs do not form part of this Agreement and shall not affect the interpretation of these Terms.

4. XAPO CARD

4.1 The Xapo Card can be used to pay for goods and services at participating merchants that accept the card programme being used. The Xapo Card can also be used to withdraw money from automatic teller machines, cashpoint facilities, cash dispensers or cash machines (“ATM(s)”); these may charge you for your withdrawal. We do not guarantee that a particular merchant will accept the Xapo Card so please check with the merchant before attempting the transaction if you are unsure.

4.2 As your Xapo Card is linked to your Xapo Account you can only use the Xapo Card to spend the Balance in your Xapo Account.

4.3 You can find a summary of the Xapo Card Features and other information about the Xapo Card including applicable fees in the Xapo FAQ. The Xapo Card is a debit product and is not a guarantee card, prepaid card, charge card or credit card.

5. ORDERING A XAPO CARD

5.1 If a Xapo Card is made available to you then you will be able to apply and order a Xapo Card by following a process in your Xapo App and accepting these Terms. You will be notified when the Xapo Card is available to you.

5.2 You can only order a Xapo Card if you are at least 18 years old. By opening a Xapo Account and ordering a Xapo Card you declare that you are at least 18 years old.

5.3 The Xapo Card will be sent to you through the post. We will only ship cards to your verified address and you (as the legal cardholder) must not reship the card to another address. We may from time to time offer you the option to have your Xapo Card sent to an address that is not your verified address however we do not warrant or guarantee that this option will always be available and if it is made available to you, you accept and acknowledge that you will make use of it entirely at your own risk. We reserve the right to discontinue the option to have your Xapo Card delivered to an address which is not your verified address without notice to you.

5.4 You will not be able to order a Xapo Card if you have previously been suspended or removed from using any of our Services.

5.5 You cannot use your Xapo Card for business purposes if it has been opened for personal use and vice versa. If you do we may close your Xapo Account.

5.6 Xapo Bank reserves the right to refuse to issue you a Xapo Card at its sole discretion.

6. VERIFICATION

6.1 We are required by law to carry out all necessary security, identity verification, customer due diligence and other screening checks and procedures on you before and during the provision of any of our Services.

6.2 During the application and ordering process to order a Xapo Card you may be asked for further personal information that we will use to confidentially verify your identity and to carry out checks to assess whether you are eligible for a Xapo Card.

6.3 By entering into these Terms you confirm that you consent to Xapo Bank carrying out such verifications and that a third party can also do this on our behalf and you acknowledge that these checks may delay the time we take to process your application and order for a Xapo Card.

6.4 You agree to fully cooperate with all requests made by us or a third party acting on our behalf, to identify or authenticate your identity or validate your source of funds or your transactions.

6.5 We reserve the right to refuse to issue you a Xapo Card at our sole discretion, or if issued, to block, freeze, suspend, or limit your Xapo Card, either temporarily or permanently, including, without limitation, where we are required or recommended to do so by applicable governmental, regulatory or law enforcement requirements or applicable laws and regulations, or in the event that we are unable to obtain and verify such information to our satisfaction or you do not comply with our requests.

7. ACTIVATING AND USING YOUR XAPO CARD

7.1 When You receive the Xapo Card, it will be in an inactive state. You will need to activate it prior to use by following the instructions provided with the Xapo Card and in the Xapo App. If you don’t activate your Xapo Card accordingly, any transactions that you attempt to carry out will be declined.

7.2 After the Xapo Card has been activated, you can use it for making payments or withdrawing cash from ATMs. You must sign your Xapo Card on the signature strip on the back of the Xapo Card before use and keep it safe.

7.3 The Xapo Card PIN is a 4-digit code that you will be asked to enter when making a payment using the Xapo Card. The PIN will be set by you during the Xapo Card application and ordering process.

7.4 Your Xapo Card must only be used by you, the person to whom the Xapo Card was issued. In the event that Xapo ever offers additional or secondary cards, which Xapo Bank does not warrant it will ever offer, that Xapo Card may only be used by a person nominated by the primary cardholder.

7.5 The Xapo Card is not transferable and you are not permitted to allow any other person to use your Xapo Card.

7.6 The Xapo Card can be frozen (temporarily deactivated) and unfrozen (reactivated) by you anytime via the Xapo App. In the Xapo App you will find various options that will allow you to set controls over your Xapo Card usage. It is your responsibility to familiarise yourself with these controls so that you can enjoy the best experience possible when using your Xapo Card.

7.7 All activities on your Xapo Card shall be deemed as activity carried out by you, the verified customer. You shall only use the Xapo Card to transact on your own Xapo Account and not on behalf of any other person or entity.

8. TRANSACTIONS

8.1 Xapo Card transaction history is displayed in your Xapo Account. All your transactions (including your Balance, money you have uploaded, received, sent and/or withdrawn) are recorded in the transaction history section of your Xapo Account. You may access this information after you access your Xapo App.

8.2 If you use your Xapo Card to make a payment or to withdraw funds in a currency you hold, the payment will be made from that balance. If the payment or withdrawal is in a currency you do not hold in your Xapo Account or we do not support, we will convert the amount at the applicable rate and debit the payment or withdrawal amount from the Balance that you hold. We will apply the payment system rate when you make a payment or withdrawal in a currency we do not support.

9. REFUNDS

9.1 Where you are provided with a refund on your Xapo Card, in accordance with card schemes' rules, the processing time may take some days, usually up to 10 Business Days for the notification of the refund and the money itself to reach us and for us to then apply the refund to your Xapo Account.

9.2 If you receive a refund on a Xapo Card payment in a supported currency, we will credit your Xapo Account in that currency. If you receive a refund in a currency we do not support, we will first convert the amount at the payment system rate to a supported currency and then credit your Xapo Account. We shall not be liable for any loss that you may incur when you receive a refund into your Xapo Account and a conversion is applied to it.

10. LIMITS ON USE

10.1 You will not be able to use the Xapo Card to make any purchases from some retailers. We have a list of Merchant Category Codes (MCCs) which we have blocked in order to prevent the potential use of a Xapo Card for unauthorised or unlawful activity.

10.2 You must not make purchases that exceed your Balance or your Xapo Card limits as updated from time to time. We reserve the right to decline a transaction that exceeds your Balance or Xapo Card limits. For the avoidance of doubt, the Xapo Card shall be delivered with a default monthly spending and withdrawal limits, which you will be able to manage from the Xapo App. It is your responsibility to ensure these limits are adjusted to suit your envisaged use of the Xapo Card.

10.3 Your use of the Xapo Card is subject to limits. We may, at our reasonable discretion, decline or limit the use of your Card for situations including, but not limited to:

1. pre-authorised regular payments;
2. transactions at self-service petrol pumps;
3. transactions for cash (other than ATM withdrawal) including for example cash back, cash from a bank, money orders, traveller’s cheques, foreign exchange, or bureau de change, or any illegal purposes;
4. where it is not possible for the supplier of the good or service to obtain online authorisation that you have sufficient Balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.

11. SECURITY

11.1 When you download the Xapo App, you will be required to provide certain Security Information. You are responsible for and must take all reasonable steps to keep your Xapo Card and its details secure and confidential, including your mobile device, the Xapo App and the Security Information.

11.2 You must take all reasonable steps to avoid the loss, theft or misuse of the Xapo Card or details. You must not disclose the Xapo Card details to anyone or allow anyone else to use your Xapo Card. It is your obligation and responsibility to ensure that any retailer you are paying or any ATM you are using with your Xapo Card is genuine and that your information will be safeguarded before proceeding with the transaction and supplying them with the physical Xapo Card or its details.

11.3 You must keep your Xapo Card PIN safe at all times by doing the following:

1. memorise your PIN as soon as you set it;
2. never disclose your PIN or any other Security Information to anyone;
3. never write down your PIN on your Xapo Card or anywhere else; and
4. keeping your PIN secret at all times, including by not using or revealing your PIN in the Xapo App if anyone is watching you.

11.4 Failure on your part to comply and follow the above guidelines on how to keep your PIN safe may be treated as gross negligence and may affect your ability to claim any losses. You must never send your PIN or Xapo Card number to anyone in writing. This includes printed messages, texts, e-mails and online forms.

11.5 You must let us know, without undue delay, if you think anyone else has your Security Information or has otherwise managed to get unlawful access to your Xapo Card. We will never ask you for your passcode, PIN or password, so you must not share these with other people, even if you think they work for us. Any undue delays in notifying us may affect the security of your Xapo Account and Xapo Card and also result in you being responsible for financial losses.

12. XAPO CARD EXPIRY

12.1 Your Xapo Card will expire on the expiry date on the card. You must not use your Xapo Card once it has expired.

12.2 We will issue you a new Xapo Card upon the expiry of your existing one, subject to your Xapo Account being in good order and the card programme is still actively issuing cards. This will be issued to you shortly before the expiry date, at the verified address or an alternative address you have provided.

12.3 We may elect not to issue a replacement Xapo Card at our sole discretion but also in case of inactivity or insufficient balance on your Xapo Account. If we do issue a new Xapo Card, a new Xapo Card number and a new expiry date will apply and the new Xapo Card will expire on that expiry date.

12.4 Xapo Bank may also refuse to issue you with a new Xapo Card if we need to do this to keep to the rules of the payment system under which we issue the Xapo Card or if we are required to do so to comply with applicable laws, regulations or as a matter of industry or good practice.

12.5 Any arrangements for the issuance of a replacement Xapo Card will be described to you in the Xapo App. If you do not want your Xapo Card to be renewed, you must close your Xapo Account by following the instructions in the Xapo Bank Terms and Conditions or in this FAQ. If you close your Xapo Account your Xapo Card will be deactivated and you will not be able to use it after its expiry date.

12.6 This Agreement will continue to apply to any Xapo Card we issue to you including replacements.

13. LOST, STOLEN, MISUSED OR DAMAGED XAPO CARD

13.1 If your Xapo Card is lost, stolen or damaged, if you suspect that someone else knows your PIN, or if you think your Xapo Card, its number or PIN may be misused, you must stop using your Xapo Card immediately, freeze it and report it as lost, stolen or damaged via the dedicated feature in the Xapo App or by contacting our Customer Support team through the Xapo App or via our Website.

13.2 After You have notified us of the loss, theft or risk of misuse of your Xapo Card, and provided that we are able to identify your Xapo Card and satisfy certain security checks, we will issue a replacement Xapo Card and Xapo Card PIN to you. Certain fees may apply for the re-issue of a lost, stolen or damaged card, please refer to the Xapo Bank Fees Information Sheet and the Xapo FAQ for further details.

13.3 If you find your Xapo Card after you have reported it lost or stolen, you must cut it up and tell us as soon as possible.

13.4 If your Xapo Card is used without your permission, or is lost, stolen or if you suspect it may be misused, we may disclose to law enforcement agencies any information which we reasonably believe may be relevant.

13.5 If you have misplaced your Xapo Card, but you do not suspect that someone else knows your PIN, or that your Xapo Card, its number or PIN may be misused, you can freeze it via the dedicated feature in the Xapo App. If you later find your Xapo Card and you are sure that its security has not been compromised, this being a conclusion which you are solely responsible for determining, you can unfreeze it.

14. THIRD PARTY ARRANGEMENTS

14.1 We may enter into arrangements with third parties (such as service providers and merchants) to offer you additional services or features on your Xapo Card.

14.2 These additional services or features are provided to you on a best efforts basis only and will be subject to separate terms to these. We shall have no liability for any type of error whatsoever in the additional services or for any losses or damages you may suffer in connection with these services or features when accessed through us.

14.3 We reserve the right at any time and from time to time to restrict, suspend, modify or discontinue, temporarily or permanently, any such additional services or features or any part thereof. We shall provide you with sufficient notice of such actions where necessary or where it is required by applicable law.

15. LIABILITY

15.1 Xapo Bank shall not be liable for any of the following:

1. any fault or failure relating to the use of the Xapo Card that is a result of abnormal and unforeseeable circumstances beyond Xapo Bank’s control which would have been unavoidable despite all our efforts to the contrary, including but not limited to, a fault in or failure of data processing systems;
2. the quality, safety, legality or any other aspect of any goods or services that you purchase with your Xapo Card;
3. any loss of profits, loss of business, or any indirect, consequential, special or punitive losses arising from your use or your inability to use the Xapo Card;
4. a merchant refusing to honour a transaction or refusing a payment, or any ATM failing to dispense cash; or
5. any acts or omissions that are a consequence of our compliance with any applicable laws, rules and regulations.

15.2 If You have used your Xapo Card or allowed it to be used fraudulently, in a manner that does not comply with this Agreement, for illegal purposes, or if you have allowed your Xapo Card or details to be compromised due to your gross negligence you will be held responsible for the use and misuse of the Xapo Card. We will take all reasonable and necessary steps to recover any loss from you, and there shall be no maximum limit to your liability except where relevant laws or regulations impose such a limit.

16. TERMINATION

16.1 Your Xapo Card will be cancelled and this Agreement will be terminated immediately upon the closure of your Xapo Account.

16.2 Xapo Bank is entitled to terminate this Agreement by providing you with two months’ written notice. Our termination of this Agreement will not affect any of our rights or obligations arising under these Terms.

16.3 Xapo Bank may terminate this Agreement immediately and without notifying you of our decision if any of the following happens:

1. You deliberately use your Xapo Card for criminal or fraudulent purposes or someone else is using your Xapo Card without your authority;
2. Your behaviour towards our staff makes it difficult for us to deal with you (for example, you are threatening or abusive towards our staff);
3. You are no longer entitled to have a Xapo Card with us or you do not accept any revised Agreement or other applicable terms;
4. You do not pay any fees or charges on time; or
5. You break any of the terms of this Agreement in any way.

16.4 You may choose to only terminate this Agreement at any time which shall automatically cancel your Xapo Card. This option will keep your Xapo Account and its other features open but you won’t be able to use your Xapo Card anymore. To exercise this option please use the dedicated feature in the Xapo App or contact our Customer Support team through the Xapo App or via our Website for help. Our team will always do their best to help you. You can always order a new Xapo Card at a later date should you wish to have one again. This will be on these same Terms but you may have to pay a fee.

16.5 Any termination of this Agreement will automatically cancel your Xapo Card.

Xapo Card Benefits Terms & Conditions (Cards Issued Outside Europe Region)

1. SCOPE

1.1 These terms and conditions (“Terms”), together with the Xapo Bank Cardholder Agreement (Cards Issued Outside Europe Region) govern the benefits that we provide with your Xapo Card. These Terms are supplemental to and must be read with your Xapo Bank Terms & Conditions which governs the entire relationship between you (“Customer”) and Xapo Bank when you open a Xapo Account with us.

1.2 Please read these Terms carefully before you start using any of the benefits we provide with the Xapo Card. These Terms provide you with information on the benefits Xapo Bank offers with the Xapo Card and how you may use them, what to do if there is an issue with any of the benefits and other important information that is relevant to your use of the Xapo Card.

1.3 This Agreement will commence with the Xapo Bank Cardholder Agreement (Cards Issued Outside Europe Region) and will terminate in accordance with these Terms. You will have accepted these Terms by applying for, ordering or using your Xapo Card. You must not apply for or order a Xapo Card if you do not agree with these Terms.

1.4 As well as these Terms, general law applies to the Xapo Card and the benefits we provide with it, which may mean other rights and liabilities apply.

1.5 These Terms are supplied in English and shall be interpreted accordingly. Any translation of these Terms is for convenience purposes only. In the event of any conflict or inconsistency between the English version and a translated version, the English version shall prevail.

1.6 These Terms are available in the Xapo App. You have the right to receive these Terms, upon request, at any time during the duration of this Agreement. This can be provided to you on paper or such other durable medium such as via email or via the Xapo Platform.

2. INTERPRETATION

2.1 In this Agreement, certain capitalised terms and phrases used but not otherwise defined herein shall have the meaning given to them in the Xapo Bank Terms & Conditions and the Xapo Bank Cardholder Agreement (Cards Issued Outside Europe Region).

3. BENEFITS

3.1 When available, Xapo Bank makes certain benefits available to eligible customers who have been verified by us and have a verified Xapo Account and an active Xapo Card and are located in a region where the benefits are made available to them (“Benefits”).

3.2 Each and all of the Benefits may be available from time to time. The ones that may be available to you will depend on the card programme of your Xapo Card as each card programme we work with may support a different selection of Benefits. You will be informed of the Benefits available to you when ordering your Xapo Card. For more information on these benefits please check the Xapo FAQ. You will also find a dedicated Benefits tab in your app.

3.3 The Benefits and/or any of them individually may be unavailable, inaccurate or interrupted from time to time for a variety of reasons. Xapo Bank is not responsible for any unavailability, interruptions, inaccuracies or errors of the Benefits or its features or descriptions. Xapo Bank may delay your access to Benefits, including earned Cashback, where we have made an information request to you for information relating to your identity or any other request that we have made to you in relation to your Xapo Account.

3.4 The Benefits and all the information relating to them are provided entirely for information purposes only on an “as is” and “as available” basis. We make no warranties, representations, or guarantees of any kind, express or implied, including but not limited to, accuracy, currency, or completeness, the operation of the Benefits, the information, materials, content, availability, and products.

3.5 We shall have no liability for any printing, production, typographical, mechanical or other errors in the Benefit summaries in the Xapo App, in your Xapo Account or at the websites or mobile applications of our partners that provide the Benefits. To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness of the Benefits for a particular purpose. Xapo Bank shall not be held liable for any claims or disputes that may arise between you and any of the partners that provide the Benefits.

3.6 You may only use the Benefits in good faith and for lawful purposes. In the instance that fraudulent activity is suspected, we reserve the right to suspend your Xapo Account and Xapo Card whilst further investigation is undertaken. In doing so we may request evidence in the form of receipts or other information to support the transactions associated with your Xapo Account and Xapo Card.

3.7 Xapo Bank reserves the right at any time and from time to time to restrict, suspend, modify or discontinue, temporarily or permanently, the Benefits or any part thereof with or without notice to you and without further obligations to you.

3.8 Any conduct detrimental to us, or any misrepresentation or fraudulent activities in connection with the Benefits may result, in addition to any rights or remedies available to us, in the termination of your participation in the Benefits, as well as forfeiture of any Cashback obtained, all as determined by us in our sole discretion.

3.9 Any attempt by any person to undermine the legitimate operation of the Benefits may be a violation of criminal and civil law, and, should such an attempt be made, we reserve the right to seek damages from any such person to the fullest extent permitted by applicable law.

3.10 You are responsible for the payment of all taxes which may result from your participation in the Benefits.

4. CASHBACK

4.1 Xapo Bank may offer from time to time a cashback program through which you may earn cash or similar rewards (“Cashback”) from qualifying purchases you make with your Xapo Card. The Cashback will be credited to your Xapo Account if you meet the applicable requirements.

4.2 Cashback will not be earned for denied or failed transactions or any part of a purchase you make with your Xapo Card at a qualifying retailer that is paid for with store credit, gift certificates or cards, vouchers or payment types other than with your Xapo Card. The transaction must be successful and made directly using the Xapo Card with the qualifying retailer in order to earn the Cashback.

4.3 Any Cashback earned from a qualifying purchase made with your Xapo Card shall be forfeitable where you return that purchase and are given a refund for it. If your original transaction was not made in the currency of your Xapo Account, the amount of the initially-assigned Cashback and the revised amount of the Cashback you forfeit may be slightly different due to fluctuating foreign exchange rates. Where this happens the difference will be made up from your Balance.

4.4 You have the sole responsibility of ensuring that Cashback is properly credited to your Xapo Account. Any claim for Cashback not credited accurately must be received by us within fifteen (15) days of the date of claimed accrual of such Cashback. Manual issuance of Cashback can take up to sixty (60) days.

4.5 If we consider, at our sole discretion, that Cashback has been improperly credited to your Xapo Account or you have obtained it illegally or fraudulently, we reserve the right to refuse to credit you with the Cashback and to invalidate and reverse it in the event it has already been credited to your Xapo Account.

4.6 You will not earn Cashback where the nature of the transaction would mean that granting you the Cashback would be in contravention of any applicable law, rules or regulations that would prohibit us from doing so or where the payment is to another account or payment card.

4.7 In the event that Xapo Bank discontinues Cashback or terminates this Agreement no further Cashback will be earned or redeemed after the date of discontinuation or termination.

4.8 The value of the Cashback and other useful information on the Benefits can be found in the Xapo FAQ and in the Xapo App.

5. FREE FOREIGN EXCHANGE

5.1 Xapo Bank may offer from time to time free foreign exchange on all your Xapo Card transactions that are made in a currency that is different to the one you hold in your Xapo Account (“Free Foreign Exchange”).

5.2 The Xapo Card supports transactions in any currency. When the currency of a transaction that you have made with your Xapo Card is different to the currency you hold in your Xapo Account, an exchange rate will be applied. This exchange rate is provided by the payment systems (Mastercard or Visa) and we do not charge any additional fee on top of this rate.

5.3 The mechanism and other useful information on Free Foreign Exchange can be found in the Xapo FAQ and in the Xapo App.

6. FREE ATM WITHDRAWALS

6.1 Xapo Bank may offer from time to time free limited ATM withdrawals when you use your Xapo Card at ATMs (“Free ATM Withdrawals”). This does not include the charge that you may incur directly from the ATM operator for your withdrawal. Please check and make sure that you understand and agree to these ATM fees before confirming a withdrawal.

6.2 The Xapo Card supports ATM withdrawals at any ATM accepting Mastercard and/or Visa cards globally. You can withdraw a limited amount of funds for free every month from any ATM using your Xapo Card. Xapo Bank will only apply a fee above the monthly limit amount we set. If you don’t go over the monthly limited amount we’ve set then Xapo Bank will not charge you any fees. This limit is reset every month. You can find the information on the limit and applicable fees in the Xapo Bank Fees Information Sheet and in the Xapo FAQ.

6.3 The information on the Free ATM Withdrawals can be found in the Xapo FAQ and in the Xapo App.

7. TERMINATION

7.1 This Agreement will be terminated immediately upon the closure of your Xapo Account or the termination of your Xapo Bank Cardholder Agreement (Cards Issued Outside Europe Region).

7.2 We may terminate this Agreement entirely or any Benefit or any number of them at any time with or without notice to you. If we need to terminate this Agreement or any Benefit or any number of them, we will try and notify you in advance.

7.3 Any termination of this Agreement will automatically cancel your access to Benefits.